Perfect Pet Pet Insurance
Perfect Pet Insurance specializes in comprehensive lifetime coverage with their Lifetime Basic, Extra, and Complete policies. Their coverage includes veterinary fees up to £12,000 annually, with unique features like their PerfectCare promise and behavioral support included as standard. Their policies are designed to grow with your pet, offering increasing coverage levels as needs change.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered for up to £1,000 for each accident with no yearly limit
Claim Limit
£1,000
Vet Fees Excess
You'll pay £90 per accident
Additional Benefits
- Death by Accident Cover: FALSE
- Third Party Liability: FALSE
- Boarding Fees: FALSE
- Lost or Stolen Cover: FALSE
Support Services
- UK-Based Call Centers
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £9.25
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
Distribution based on policy data analysis
What Affects Your Premium
- Pet's age, breed, and species
- Coverage level selected (Basic, Standard, or Premium)
- Your location and local vet costs
- Previous claims history
Coverage Highlights
Accident Only CoverMost Popular
Vet Fees
Up to Covered for up to £1,000 for each accident with no yearly limit
Excess
You'll pay £90 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Lifetime Cover
Vet Fees
Up to Covered for up to £1,000 for each accident with no yearly limit
Excess
You'll pay £90 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Max Benefit Cover
Vet Fees
Up to Covered for up to £1,000 for each accident with no yearly limit
Excess
You'll pay £90 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Time Limited Cover
Vet Fees
Up to Covered for up to £1,000 for each accident with no yearly limit
Excess
You'll pay £90 per accident
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Policy Coverage Overview
Premium Range
Minimum
£84.18
Maximum
£140
Average
£125.82
Cover Types
- Accident Only
- Lifetime
- Max Benefit
- Time Limited
Coverage Distribution
Dogs
64.6%
Cats
35.4%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered for up to £1,000 for each accident with no yearly limit | Maximum amount claimable for veterinary treatment |
| Death by Accident | FALSE | Payment if your pet dies due to an accident |
| Death by Illness | FALSE | Payment if your pet dies due to illness |
| Third Party Liability | FALSE | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | FALSE | Coverage if your pet is lost or stolen |
| Advertising & Reward | FALSE | Costs for advertising and reward if your pet is lost |
| Boarding Fees | FALSE | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
Excess Information
Standard Excess
£90 - This is the amount you pay towards each new condition claimed for.
Co-Payment
N/A - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.
Example Claim Calculation
Professional Veterinary Analysis
Veterinary Expert Analysis: Perfect Pet Pet Insurance
Perfect Pet offers flexible pet insurance policies with five core plans ranging from accident-only to lifetime cover. Their model allows for tailored excess levels and optional add-ons for owners seeking flexibility.
Professional Veterinary Review
Perfect Pet offers a flexible alternative to one-size-fits-all policies. Great for owners who like control over policy costs and limits.
Market Position
Flexible insurer focused on pet owner choice with a practical, transparent approach.
Pricing Strategy
Mid-range to premium pricing based on selected tier and optional add-ons.
Who Should Consider Perfect Pet? Detailed Analysis
Pet owners who want to customise their insurance to match their pet’s lifestyle and budget.
Ideal Pet Owner Profiles
Important Considerations
Key Strengths & Advantages
Good range of choice and pricing
Lifetime cover available
Supports a wide range of dog and cat breeds
Important Limitations
Claims take longer during peak periods
Phone-only claim support
Dental cover only with highest tiers
What Makes Perfect Pet Stand Out
Tailorable excess and policy limits
Five distinct levels of cover
Optional extras including dental and travel
Claims Process Analysis
Claims are made via downloadable forms submitted by email or post. Typical turnaround is 7–14 days depending on vet response.
Claims Process Highlights:
- • Online claim submission available 24/7
- • Veterinary nurse review team
- • Direct payment to vets where available
- • Average processing time detailed in policy
Customer Service Experience
Support is available via phone and email. Reviews suggest helpful staff but longer wait times during busy seasons.
Service Features:
- • UK-based customer service team
- • Online policy management portal
- • Multiple contact channels available
- • Dedicated support for complex cases
Coverage Analysis & Policy Details
Covers vet bills, illness, injury, third-party liability, and death benefits. Dental and travel optional on higher tiers.
What's Covered
- Veterinary treatment for accidents and illnesses
- Hereditary and congenital conditions (after waiting periods)
- Third party liability coverage
- Death by accident or illness benefits
What's Not Covered
- Pre-existing conditions
- Routine preventive care (vaccinations, worming)
- Pregnancy and breeding-related costs
- Cosmetic or elective procedures
UK Pet Insurance Market Context
Understanding how Perfect Pet fits within the broader UK pet insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Perfect Pet's approach aligns with your pet's needs.
Average Vet Bill Cost (Cats)
£1,200
Source: British Veterinary Association 2024
Average Vet Bill Cost (Dogs)
£1,500
Source: British Veterinary Association 2024
Most Common Cat Insurance Claim
Digestive Issues £450
Source: ABI Claims Statistics 2024
Most Common Dog Insurance Claim
Lameness/Limping £750
Source: ABI Claims Statistics 2024
Percentage of Pets with Chronic Conditions
40%
Source: Royal College of Veterinary Surgeons 2024
Pet Insurance Penetration Rate UK
25%
Source: UK Pet Population Survey 2024
Average Annual Pet Insurance Premium (Cats)
£278
Source: Association of British Insurers 2024
Average Annual Pet Insurance Premium (Dogs)
£436
Source: Association of British Insurers 2024
Veterinary Expert Analysis by Dr. Emma Richardson
Dr. Emma Richardson is a qualified veterinarian and pet insurance specialist with over 8 years of experience in both veterinary practice and insurance claims assessment. She holds a degree in Veterinary Medicine from the Royal Veterinary College and has worked with leading UK pet insurers to improve coverage and claims processes.
Professional Qualifications:
Areas of Expertise:
Analysis Methodology: This comprehensive review is based on policy documentation analysis, claims process evaluation, customer feedback assessment, financial strength review, and comparative market analysis. We maintain strict editorial independence and regularly update our reviews to reflect policy changes and market developments.
Last updated: 8/21/2025 | Veterinary review: Current | Market analysis: Updated monthly
Detailed Questions About Perfect Pet
How does Perfect Pet handle pre-existing conditions?
Like all UK pet insurers, Perfect Pet excludes pre-existing conditions from coverage. They define pre-existing conditions as any injury, illness, or symptom that occurs or shows clinical signs before your policy start date or during waiting periods. This includes conditions your vet has noted during examinations, even if no formal diagnosis was made.
What should I expect from Perfect Pet's claims process?
Claims are made via downloadable forms submitted by email or post. Typical turnaround is 7–14 days depending on vet response. Most claims are processed within their advertised timeframe, but complex cases involving specialist treatments or multiple conditions may take longer. Always submit claims promptly with complete veterinary records to avoid delays.
Is Perfect Pet suitable for older pets?
Perfect Pet's suitability for older pets depends on their specific age limits and premium structure. Many insurers have upper age limits for new policies (typically 7-9 years for dogs, 8-10 for cats) but continue covering pets insured while young. Premiums typically increase with age, and some conditions may become excluded as your pet ages.
How does Perfect Pet compare for specific breeds?
Perfect Pet may have breed-specific pricing and exclusions. Breeds prone to hereditary conditions (like hip dysplasia in large dogs or heart conditions in certain breeds) may face higher premiums or specific waiting periods. Always check breed-specific terms in your policy documents, as coverage can vary significantly between breeds.
Professional Disclaimer & Transparency
This analysis represents independent veterinary and insurance expertise based on comprehensive policy review, market research, and professional experience. We do not receive compensation from Perfect Pet for this review, and our analysis aims to provide balanced, factual information to help pet owners make informed decisions.
Data Sources: Policy documents, regulatory filings, veterinary cost surveys, customer satisfaction research, and comparative market analysis. All information is verified against official sources and updated regularly.
Important: Pet insurance needs vary significantly between individual pets and circumstances. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms carefully before making decisions. Coverage terms and pricing may change, and actual policies will depend on your pet's specific details and health history.
Frequently Asked Questions
What is the PerfectCare promise?
We guarantee fair claim assessment and processing within 5 working days or we pay you compensation.
How does behavioral coverage work?
Coverage includes consultations, treatment, and medication for behavioral issues diagnosed by a vet.
Can I switch between policies?
Upgrade or downgrade at renewal without losing coverage for existing conditions.
What's your claims process?
Submit claims online or by email, with direct vet payment available nationwide.
Next Steps with Perfect Pet
How to Get Coverage
- Visit Perfect Pet's website directly
- Takes about 5-10 minutes to complete
- Have your pet's details ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your pet's age, breed, and health history
- Your location and coverage needs
- Current market conditions and provider pricing
Please contact Perfect Pet directly for the most accurate and up-to-date quotes for your specific situation.